ICBC's application for quick loan mainly meets two aspects: first, the application conditions must meet the requirements, and second, the application materials must be approved before they can meet the qualification for quick loan.

I. Conditions for ICBC to apply for quick loans.

1. The age of a natural person with full capacity for civil conduct is between 18 and 60. Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for 1 year and have a fixed residence and occupation;

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;

3. Having legal business qualifications, being able to provide business licenses for individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises, or holding business licenses such as business licenses, merchant business licenses and booth licenses or other legal and valid business qualifications;

4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;

6. Being able to provide legal, effective and reliable loan guarantee recognized by China Industrial and Commercial Bank;

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by China Industrial and Commercial Bank.

Two. Application materials for ICBC to operate fast loans.

1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;

2. The original and photocopy of the annual business license or business license, merchant business license, booth card and other business licenses of individual industrial and commercial households, partnership enterprises and sole proprietorship enterprises;

3. Personal income certificate, such as personal tax payment certificate, salary certificate, personal dividend certificate in business entity, rental income, etc.;

4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;

5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage. If the mortgaged property needs to be assessed, the original assessment report shall be provided;

6. Other information required by the bank.

Extended data:

Main features of ICBC's fast loan business:

1, high loan amount: up to 3 million yuan;

2. Long loan term: up to 3 years;

3. There are many ways to guarantee: mortgage, pledge, etc.

4. It has the function of revolving loan: one-time application, recycling, and returning with the loan, which is convenient and fast, and can realize self-service loan issuance through merchant POS and online banking.